Federal credit union · Radcliff, Kentucky · NCUA charter #7000
Abound
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.62B
- Total assets
- 117,743
- Members
- 16.1%
- Net-worth ratio
Abound - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7000: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Abound - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)100
- Member growth68
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.14% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | 1.00% | 15% |
| Loan-to-Share Ratio | 89.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.62B | 117,743 |
| 2024Q4 | $2.40B | 116,581 |
| 2023Q4 | $2.26B | 134,931 |
Credit Union Details
- Charter Number
- 7000
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Radcliff
- Data Quarter
- 2025Q4
What This Data Says About Abound
Charter #7000, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Abound, a federal credit union in Radcliff, Kentucky with 117,743 members, $2.62B in total assets, and $1.93B in outstanding loans as of Q4 2025. The five-factor composite scores it 94/100 (Excellent), helped by a net worth ratio of 16.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.65% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 89.83% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.21% on net income of $31.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Abound financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Abound's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.14% net worth ratio and 0.65% delinquency rate are the key drivers.
How does Abound compare to other credit unions?
On PlainCU's health composite, Abound lands at 94/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Abound?
Abound operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Abound directly for the exact boundaries and application steps.
Is my money safe at Abound?
Federal credit unions like Abound are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Abound's net worth ratio of 16.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Abound offer compared to banks?
Credit unions like Abound are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Abound directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.